You count on your employees to
rise to the occasion.
disability
insurance
protects them when they can’t.
We take your business personally®
DENTAL • LIFE • DISABILITY • MEDICAL • CRITICAL ILLNESS • SECTION 125 • VISION
Guardian has been protecting businesses and their employees
against financial hardships for more than 50 years.
Unfortunately, disability strikes more often than you may think. A disabling injury occurs every
three seconds in a public setting and every four seconds in the home.* Even though health
insurance will cover most medical costs, it will not replace lost income. And with 71% of
Americans living paycheck to paycheck**, clearly disability insurance is not an option, but a necessity.
That’s why it is so important to work with a company and a team with the experience you can
count on. As a disability market leader, Guardian is there when disability strikes to protect your
employees against financial hardship, and to help make the transition back to work smoother.
In addition to financial support to your employees, our disability insurance helps reduce medical
costs, downtime and business interruption.
* Source: National Safety Council, “Injury Facts,” 2007 Edition
** Source: American Payroll Assocation, “Getting Paid in America” Survey, 2008
Disability Protection
3 in 10 workers entering the workforce
will become disabled before retiring.1
Flexible, comprehensive plans for a wide variety of employee needs.
Responsive to your
employee needs and
business demands.
nE
mployees get the support
they need when they need
it, including quick response
to questions, accurate
claims payments based on
established standards, and
fast claims turnaround.
Whether you have two or 5,000 employees covered by a disability plan, Guardian
offers exceptionally flexible plans and customized features to cover a variety of
business as well as employee needs. Guardian offers Short Term Disability (STD),
Long Term Disability (LTD), Employee Assistance Programs, Enhanced FMLA
Services2 and multi-product packaged plans that include disability.
n Guardian thoroughly reviews
each claim using resources
such as national databases,
highly-skilled medical and
peer-review specialists, and
rehabilitation counselors.
Options and add-ons let you customize features and benefits for greater
value to you and your employees.
In addition to standard disability options, Guardian can help you meet the needs of your
employees though innovative optional plan features:
• Critical Disability Supplement pays an additional benefit over the regular LTD
benefits (10% - 40% of salary for certain serious disabilities).
• Medical/Dental Plan Premium Benefit helps disabled employees pay medical and
dental premiums.
• Presumptive Disability Benefit includes guaranteed benefits in the case of loss of limbs,
hearing, or vision.
• Revenue Protection Rider compensates employers for revenue lost when a key
employee is disabled.
• Spousal Disability Benefit pays a benefit to help care for a critically disabled spouse.
• Lifetime Critical Disability Benefit continues benefits beyond the maximum duration
if the insured is functionally disabled.
Guardian will be there when it counts
The financial strength and stability of your insurance company should be a key factor in
the selection process, especially in challenging economic times. Our exemplary ratings
affirmed by the major rating agencies help reinforce Guardian’s ability to pay your
employees’ short and long-term disability claims, quickly and reliably. Founded in 1860,
as one of the largest mutual companies in the United States, Guardian is able to focus
on the financial well-being of our policyholders – without the distractions that can result
from the short-term demands of Wall Street. Visit www.GuardianLife.com for current,
detailed information on Guardian’s financial strength.3
Note: Plans and options available may vary by state.
1
2
3
4
Source: Social Security Administration, Fact Sheet 2007
FMLA services are provided by FMLASource®, an affliate of ComPsych® Corporation.
Ratings as of 12/09: Fitch (AA+/Very Strong), Moody’s (Aa2/Excellent), Standard & Poor’s (AA+/Very Strong), A.M. Best
(A++/Superior). Financial information concerning The Guardian Life Insurance Company of America as of 12/31/09 on a
statutory basis: Admitted Assets = $30.9 Billion; Liabilities = $26.7 Billion (including $23.5 Billion of Reserves); and
Surplus = $4.2 Billion.
Program services are provided by Integrated Behavioral Health, Inc. and its contractors.
n
Early Alert Program helps
improve return-to-work
outcomes by administering
and evaluating both STD
and LTD in one location.
n Social
Security Filing
Assistance helps eligible
employees obtain Social
Security benefits to
maximize coverage.
n TeleGuard claims submission
telephone service helps to
quickly and accurately file
and evaluate STD claims.
n One
bill for all product
lines makes it simple for you.
n TravelAid
available to help
protect employees when
they travel.4
nG
uardian Anytime® is
our
comprehensive web site,
offering self-service for both
employers and employees.
nP
ersonalized
Customer
Response Units are available
by phone or e-mail to
answer questions promptly.
Dental • Life • Disability • Medical • Critical Illness • Section 125 • Vision
Disability Protection
Enrollment Support Resources
Full-service, expert enrollment support helps ensure satisfaction and ease at every stop for employers and employees.
Our Enrollment Success Plan (ESP) waives participation requirements for voluntary plans. ESP is a set of
enrollment recommendations designed to help employees better understand their plan options and make it easier for them to choose coverages that best fit their needs.
More than 100 Certified Enrollment Specialists are available to conduct your enrollment meetings.*
Enrollment kits personalized to each employee, featuring his/her name and enrollment form pre-filled with
employee’s demographic information and cost based on age and salary.
Employee Online Enrollment that enables employees of existing Guardian customers to conveniently enroll or make updates to benefits — plus customers can easily check status of Evidence of Insurability applications online.
Toll-free Employee Benefits Hotline provides answers to questions prior to enrollment.
Employee Assistance Program improves business productivity
Guardian offers WorkLifeMatterssm, an EAP, to help employees cope with balancing work and
home life. Since problems at home can lead to issues on the job, WorkLifeMatterssm supports
employees with everything from child and eldercare to resources for legal assistance and
substance abuse counseling. This valuable service is available to groups that purchase three or
more lines of Guardian coverage.
WorkLifeMatterssm program services are provided by Integrated Behavioral Health, Inc. and its contractors.
Guardian. Insurance for companies that take employee protection personally.
No matter how big your business is, insurance is more than just a business decision. It’s also a personal decision.
The benefits you provide protect your employees and their families – employees who work hard to make your
business a success. Yet you still need to look out for the needs of the company as a whole. For 150 years, Guardian
has been providing diversified financial strategies to Americans nationwide; and for over 50 years we’ve been helping
companies strike the balance for employee benefits. We recognize that each situation is different, so we bring a wide
variety of options to the table. A broad product portfolio. Flexibility in the choice of features. And the personal
expertise to help you navigate your choices. From Medical, Dental and Life Insurance to Disability, Long Term Care
and Retirement plans, Guardian and its subsidiaries provide more ways for you to take good care of your employees.
Call your broker for more information about Guardian Disability Protection.
* May not be available for cases under a certain case size. Check with your local sales office.
Limitations and exclusions apply. Plan documents are the final arbiter of coverage.
Important Information: We limit the duration of payments for long term disabilities caused by mental or emotional conditions, or alcohol or drug abuse.
We do not pay benefits for charges relating to a covered person: taking part in any war or act of war (including service in the armed forces); committing
a felony or taking part in any riot or other civil disorder; or intentionally injuring themselves or attempting suicide while sane or insane. We do not pay
benefits for charges related to legal intoxication, including but not limited to the operation of a motor vehicle, and for the voluntary use of any poison,
chemical, prescription or non-prescription drug or controlled substance unless it has been prescribed by a doctor and is being used as prescribed. We
do not pay benefits during any period in which a covered person is confined to a correctional facility, an employee is not under the care of a doctor, an
employee is receiving treatment outside of the US or Canada and the employee’s loss of earnings is not solely due to disability. This policy provides disability
income insurance only. It does not provide “basic hospital,” “basic medical,” or “major medical” insurance as defined by the New York State Insurance
Department. If the plan is new (not transferred): This LTD plan does not pay charges relating to a pre-existing condition, unless the disability begins
after the employee has been insured for the specified number of months. This STD plan will limit payment for disabilities due to pre-existing conditions
to 26 weeks (applicable to non-voluntary plans with greater than 26 week duration) and 2 weeks on all voluntary plans. A pre-existing condition includes
any condition for which an employee, in the specified period prior to coverage under this plan, consults with a physician, receives treatment, or takes
prescribed drugs. Please refer to the plan documents for specific time periods. Contract GP-1-LTD07-1.0, et al. & GP-1-STD07-1.0, et al.
The Guardian Life Insurance Company of America, 7 Hanover Square, New York NY 10004
2010-537 (3/10)
PUB 4119 (3/10)